Southwest Savings Community

Oaklawn, IL · Charter 60265

Q2 1996

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2

Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 1996, the quarter ended June 30, 1996, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Oaklawn, IL · Charter 60265

Q2 1996

$2.5MAssets

$1.1MLoans

$2.2MShares

n/aNet Worth

Return on Assets (YTD, annualized)

2.38%-13 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q2 1994	Q4 1994	Q2 1995	Q4 1995	Q2 1996	YoY Δ	Trend
Earnings
Return on Assets	2.51%	2.51%	2.83%	3.09%	2.38%	-13 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Growth
Asset Growth (YoY)	n/a	n/a	n/a	n/a	-43.53%	n/a	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	-54.88%	n/a	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-44.97%	n/a	n/a
Asset Quality
Delinquent Loans / Loans	0.50%	2.58%	1.68%	0.03%	0.91%	+41 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.26%	5.72%	6.38%	5.76%	6.54%	+529 bps
Capital
Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Worth / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Liquidity & Funding
Loans / Shares	59.39%	49.55%	54.44%	53.98%	48.69%	-1,070 bps
Liquid Assets / Assets	26.55%	9.29%	16.87%	15.50%	39.47%	+1,292 bps